Our dogs get the care they need. It is never cost prohibitive - that's what cc are for. Inconvenient at times, yes.
In the latter case, we may put off something we ourselves need if not critical, but again. we have full med coverage minus deductibles, so it is convenience, not money that determines what/when.
Dogs are a constant inconvenience...... and a joy!
In fact, we carry some pet insurance- the Wunder Wiener is getting his balls off in a matter of minutes today - that was put off for a month for both our convenience (not his!
. ) to take advantage of pet insurance re-up and our schedules.